PRINCIPLES OF ELECTRONIC PAYMENT SYSTEMS INTEGRATION

Urazbekova Merey, 3th year student of the specialty " 5B050700 - Management" Sh . A.Baitursynov

Irina Morozova , Senior Lecturer , Department of Information SystemsKSU . A.Baitursynov

The use of electronic payments for settlements for goods and services has now become the standard for systems of different levels (B2B, B2C, B2G). The main advantages that attract both sellers and buyers to this form: speed of the payment process, a variety of payment services provided forms of payment (payment terminals, internet services, mobile applications), the ability to eliminate the human factor of the payment procedure through the use of software automation the use of cryptography to ensure the safety of payments.

Payment systems are divided into debit (working with electronic cash - WebMoney, «Yandex», QIWI, PayPal, e-gold) and credit (working with credit cards - transnational: Visa, MasterCard, American Express, Russia's "Slow motion», e -port).

"Electronic Cash" - a tool that simulates the work with cash on the Internet. Instead of real money in the debit payment system files are used, certified by the electronic signature of the issuing system. The buyer transfers the pre-deposit money into your virtual account in the bank accounts of the owner. Then the buyer can purchase goods and services of sellers having their virtual account in the payment system. Money from the virtual account the seller can transfer to your bank account, transferring, thus paying the level of real money.

Modern payment systems offer advanced Internet services with secure and convenient protocols, making it easy to build a system of electronic payments for customers on the corporate website.

The general principles of the integration of payment systems in the corporate infrastructure as an example of the payment system QIWI. For practical realization of the possibility of committing electronic payment services provider in the organization of services may use API payment system QIWI («integrated system of instant payments"), using a protocol based on the interaction of USIP.

USIP protocol provides two basic functions:

- Checking for the possibility of payment;

- The completion of the balance of payments numbers.

In each of these two types of query can not accommodate more data transmission in response to a service provider server.

Integration billing system provider system QIWI performed by multiple components.

Accepting payments is via the terminals of USIP, either through the web-interface, thin clients and other compatible devices (POS-terminals, ABG-gateways and specialized software). Server Group Orion provides the processing of payment transactions.

To interact with the billing system service provider Orion server sends her GET-request via HTTP to a fixed address, calling handler with parameters that define the type of data and the operation.

Type is specified by command, which can take one of two values corresponding to the functions supported by the system: check and pay.

Thus, GET-request takes the form:http://provider.ru/handler.php?command=check&txn_id=x&txn_date=YYYYMMDDhhmmss&account=y&sum=zk

Options txn_id sets a unique transaction number, and txn_date determines the time of the transaction in the format "year-month-day-hour-minute-second», account - the subscriber identification number, sum - the amount to be paid.In response to that request GET-web-server of the service provider must return a response in the form of XML-document of the following structure:

<?xml version="1.0" ?>

<response>

<txn_id>x</txn_id>

<result>0</result>

</response>

In the result the code of the answer to the following semantics:

- "0" - a positive response;

- "1" - a temporary error, with payment at intervals

10-40 minutes trying to get back within a day;

- "5" - the subscriber can not be found;

- "10" - more.

Considered USIP report may be extended for additional product operations, other than those provided in the standard configuration.